Money Tree
A PocketGuard alternative: Money Tree
If you like PocketGuard's idea of one number for what is left to spend, Money Tree has its own: Safe to Spend, with goals built in.
Last reviewed
Why people look for a PocketGuard alternative
- Its site leads with a 7-day trial of a paid plan, USD 12.99 a month or USD 74.99 a year in the App Store.
- Bank connections cover the US, Canada and the UK; elsewhere it is manual entry.
What Money Tree offers instead
- Safe to Spend is there from the first day of the 7-day trial.
- Subscriptions and bills are detected for you, with a reminder before each is due.
- Savings goals and a pay-period planner, with a 30-day cash-flow forecast on Plus.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
When to stay with PocketGuard
Choose PocketGuard if paying down debt is your priority, or you want a web or Apple Watch app.
- A simple Leftover view of what you can safely spend.
- Debt payoff tools on Plus.
- An Apple Watch app and a web app.
- Bank coverage through several connectors.
PocketGuard and Money Tree in brief
| Feature | Money Tree | PocketGuard |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | PocketGuard Plus is USD 12.99 a month or USD 74.99 a year in the App Store. Prices may vary by region. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | Its own site offers a 7-day free trial of Plus and does not advertise a free plan. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic sync through third-party connectors including Plaid, Finicity, Salt Edge and Apple Wallet, with read-only access. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iPhone, Apple Watch, Android and web. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | A Leftover figure for everyday spending after bills, budgets, debts and goals, with category budgets. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | Banks and cards in the US, Canada and the UK. Elsewhere, the web app with manual entry. |
Switching
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
Questions
What is a good alternative to PocketGuard?
It depends on why you are leaving. Choose Money Tree if you want a Safe to Spend number, plus a 30-day cash-flow forecast on Plus, streaks and goals. Choose PocketGuard if paying down debt is your priority, or you want a web or Apple Watch app.
Can I move my data from PocketGuard to Money Tree?
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
How much does Money Tree cost?
Money Tree has a 7-day trial of everything, with nothing held back. After the trial, Plus is a monthly or yearly subscription.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://apps.apple.com/us/app/pocketguard-budget-tracker-app/id949414211 (Plus prices, 7-day trial, connectors, read-only access, iPhone and Apple Watch)
- https://pocketguard.com/pricing/ (7-day trial of Plus)
- https://pocketguard.com/help/what-countries-does-pocketguard-support/ (US, Canada and UK; manual entry on the web elsewhere)
- https://pocketguard.com/ (iPhone, Android and web, Leftover, debt payoff)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
PocketGuard is a trademark of its owner. Money Tree is not affiliated with or endorsed by PocketGuard. This page compares publicly available information and is not financial advice.